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One of your presets refused a purchase when your agent tried to open it. No authorization was created, so authorization_id is null, nobody was asked to approve, and nothing was charged. reason is the rule’s code, the same code a card preset produces: merchant_denied, currency_denied, currency_unknown, spend_total_exceeded, spend_rate_exceeded, spend_rate_unknown, time_window_denied, or surface_denied. preset names the preset and version that refused, attachment says which card it is attached to (card with the card id and its last four digits), rule names the kind of rule, and message says what the rule allows and your next step. refusals lists every preset that refused, each with its preset, attachment, rule, reason, and message; the fields above are its first entry. A refusal right before the card was sent fires checkout_authorization.declined instead, with the same reason, preset, attachment, rule, message, and refusals fields, because an authorization exists there. See Set rules on a card.